What a joke!! Within 6 months my interest rate went from 9.9 to 25% without being late once. Before my 1 year anniversary they decided to add a $90.00 annual fee and if you don't want it you may cancel the card no other way. When I called to voice my opinion, there manager said just cancel your card. I said okay cancel it. He said done.... within seconds. Other companies try so hard to keep you. Even going out of there way to help you stay. Not these guys. They can care less. Barclay cards is a company that should be ashamed of themselves and should learn how to not only acquire customers but how to maintain them and keep them happy. STAY AWAY